Civic Intelligence

Freedom Community Credit Union

990 • Fiscal year 2015 • EIN 45-0273190

Jan 01, 2015 to Dec 31, 2015 • Filed on May 14, 2016

Organization ProfileN/A

View Organization Page

2940 N University DriveFargo, ND 58102

(701) 232-0828

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

93rd percentile

0.92x

Higher debt load relative to assets than 93% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

86th percentile

28.48x

Higher debt load relative to revenue than 86% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

25th percentile

1.8%

Higher net margin than 25% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

93rd percentile

$166,535

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 20.2% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

43rd percentile

2.2%

Faster asset growth than 43% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

39th percentile

-0.1%

Faster revenue growth than 39% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$25,508,325

Up $555,636 (+2.2%) from 2014

Net Assets

Up

$2,023,056

Up $15,007 (+0.7%) from 2014

Liabilities

Up

$23,485,269

Up $540,629 (+2.4%) from 2014

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin25th percentile

Revenue

Down

$824,688

Down $874 (-0.1%) from 2014

Expenses

Down

$809,681

Down $275,300 (-25%) from 2014

Net Income

Up

$15,007

Up $274,426 (+106%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$40M$30M$20M$10M$0Assets 2011: $21,277,133Liabilities 2011: $19,177,405Net Assets 2011: $2,099,7282011Assets 2012: $23,262,364Liabilities 2012: $20,973,583Net Assets 2012: $2,288,7812012Assets 2013: $24,647,527Liabilities 2013: $22,380,059Net Assets 2013: $2,267,4682013Assets 2014: $24,952,689Liabilities 2014: $22,944,640Net Assets 2014: $2,008,0492014Assets 2015: $25,508,325Liabilities 2015: $23,485,269Net Assets 2015: $2,023,0562015Assets 2016: $27,118,577Liabilities 2016: $25,006,286Net Assets 2016: $2,112,2912016Assets 2017: $27,674,188Liabilities 2017: $25,530,524Net Assets 2017: $2,143,6642017Assets 2018: $27,043,043Liabilities 2018: $24,804,553Net Assets 2018: $2,238,4902018Assets 2019: $26,936,119Liabilities 2019: $24,518,194Net Assets 2019: $2,417,9252019Assets 2020: $30,101,322Liabilities 2020: $27,569,242Net Assets 2020: $2,532,0802020Assets 2021: $31,829,663Liabilities 2021: $29,223,619Net Assets 2021: $2,606,0442021Assets 2022: $31,442,251Liabilities 2022: $28,868,782Net Assets 2022: $2,573,4692022Assets 2023: $0Liabilities 2023: $0Net Assets 2023: $02023

Highlighted filing

2015

Assets$25,508,325
Liabilities$23,485,269
Net Assets$2,023,056
Open 2015 Filing

Operations Trend

Revenue Growth39th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2011: $731,5322011Revenue 2012: $884,434Expenses 2012: $695,381Net Income 2012: $189,0532012Revenue 2013: $813,391Expenses 2013: $834,704Net Income 2013: -$21,3132013Revenue 2014: $825,562Expenses 2014: $1,084,981Net Income 2014: -$259,4192014Revenue 2015: $824,688Expenses 2015: $809,681Net Income 2015: $15,0072015Revenue 2016: $862,823Expenses 2016: $773,588Net Income 2016: $89,2352016Revenue 2017: $948,905Expenses 2017: $917,532Net Income 2017: $31,3732017Revenue 2018: $1,143,110Expenses 2018: $1,048,286Net Income 2018: $94,8242018Revenue 2019: $981,566Expenses 2019: $802,131Net Income 2019: $179,4352019Revenue 2020: $920,756Expenses 2020: $806,601Net Income 2020: $114,1552020Revenue 2021: $809,590Expenses 2021: $735,626Net Income 2021: $73,9642021Revenue 2022: $761,883Expenses 2022: $794,458Net Income 2022: -$32,5752022Revenue 2023: $855,647Expenses 2023: $1,104,328Net Income 2023: -$248,6812023

Highlighted filing

2015

Revenue$824,688
Expenses$809,681
Net Income$15,007
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 14, 2016
Return Version
2015v2.1
Gross Receipts
$824,688
Mission and Program Overview

Mission

Credit union services to approximately 2900 members

CREDIT UNION SERVICES

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,691,703$13,502,584▼ $189,119
Savings and Temporary Cash Investments$9,386,215$10,131,543▲ $745,328
Rtn Earn Endowment Incm Other Fnds$2,008,049$2,023,056▲ $15,007
Land, Buildings, and Equipment, Net$1,493,154$1,439,640▼ $53,514
Cash and Non-Interest-Bearing Accounts$140,316$153,030▲ $12,714
Prepaid Expenses and Deferred Charges$14,583$35,014▲ $20,431
Intangible Assets$4,760$4,079▼ $681
Total Assets$24,952,689$25,508,325▲ $555,636
Other Assets Total$221,958$242,435▲ $20,477
Liabilities
Other Liabilities$22,743,520$23,364,410▲ $620,890
Accounts Payable and Accrued Expenses$201,120$120,859▼ $80,261
Total Liabilities$22,944,640$23,485,269▲ $540,629
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,008,049$2,023,056▲ $15,007
Total Liabilities and Net Assets / Fund Balance$24,952,689$25,508,325▲ $555,636

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$976,767$195,408-
Land$373,959--
Equipment$88,914$232,242-
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Mary HagenChief Exec OffFT$86,593$79,942$166,535
Mary HagenChief Exec Office-$86,593$79,942$166,535

Board Members and Trustees

NameTitle
Brent EhrichsChairman
Larry GillelanDirector
Nina StoneDirector
Norm NylandDirector
Robbi FossDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$741,262
Investment Income
$83,426
Other Revenue
$0
Change in Net Assets
$15,007
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$420,576
Other Expenses$389,105
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$224,541--$224,541
Other Employee Benefits$109,442--$109,442
Current Officers, Directors, Trustees, and Key Employees$86,593--$86,593
Office Expenses$69,105--$69,105
Occupancy$68,229--$68,229
Interest$29,050--$29,050
All Other Expenses$21,680--$21,680
Depreciation Depletion$16,869--$16,869
Other Expenses$9,266--$9,266
Conferences and Meetings$7,814--$7,814
Insurance$412--$412
Total Functional Expenses$809,681$0$0$809,681
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$23,364,410
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line6

“Members of the credit union are the owners of the credit union”

Part VI Line 7A

“Members of the credit union elect the board of directors”

Part VI Line 11

“Tax return is reviewed by chief executive officer before filing”

Part VI Line 12C

“Directors review annually”

Part VI Line 15

“Information is obtained to determine peer compensation”

Part VI Line 19

“Information is available upon request”

Filing and Contact Details

Filer

Filer Name
Freedom Community Credit Union
EIN
45-0273190
Phone
7012320828
Address
2940 N UNIVERSITY DRIVE, FARGO, ND 58102

Signing Officer

Name
Mary Hagen
Title
Chief Executive Officer
Signed
2016-05-14
Discuss with paid preparer
No

Organization Details

Principal Officer
Mary Hagen
Voting Board Members
5
Independent Board Members
5
Employees
11

Preparer

Firm
Ben Yasgar CPA Ltd
Address
808 3RD AVE S SUITE 301, FARGO, ND 58103-1865
Preparer
Ben Yasgar CPA
Phone
7012324414
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE THE OWNERS OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TAX RETURN IS REVIEWED BY CHIEF EXECUTIVE OFFICER BEFORE FILING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTORS REVIEW ANNUALLY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INFORMATION IS OBTAINED TO DETERMINE PEER COMPENSATION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMATION IS AVAILABLE UPON REQUEST
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1PART VI LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2PART VI LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3PART VI LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4PART VI LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5PART VI LINE 19
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt025508325
IRS990/TotalAssetsGrp/BOYAmt024952689
IRS990/TotalAssetsGrp/EOYAmt025508325
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0809681
IRS990/TotalFunctionalExpensesGrp/TotalAmt0809681
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022944640
IRS990/TotalLiabilitiesEOYAmt023485269
IRS990/TotalLiabilitiesGrp/BOYAmt022944640
IRS990/TotalLiabilitiesGrp/EOYAmt023485269
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02008049
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02023056
IRS990/TotalOtherCompensationAmt079942
IRS990/TotalProgramServiceRevenueAmt0741262
IRS990/TotalReportableCompFromOrgAmt086593
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0824688
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0824688
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024952689
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt025508325
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02940 N UNIVERSITY DRIVE
IRS990/USAddress/CityNm0FARGO
IRS990/USAddress/StateAbbreviationCd0ND
IRS990/USAddress/ZIPCd058102
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0MARY HAGEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHIEF EXECUTIVE OFFICER
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FREEDOM COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FREE
ReturnHeader/Filer/EIN0450273190
ReturnHeader/Filer/PhoneNum07012320828
ReturnHeader/Filer/USAddress/AddressLine1Txt02940 N UNIVERSITY DRIVE
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BEN YASGAR CPA LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0808 3RD AVE S SUITE 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0FARGO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0581031865
ReturnHeader/PreparerPersonGrp/PhoneNum07012324414
ReturnHeader/PreparerPersonGrp/PreparationDt02016-06-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BEN YASGAR CPA
ReturnHeader/ReturnTs02016-07-07T09:30:53-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$25,508,325
Liabilities
$23,485,269
Net assets
$2,023,056
Revenue
$824,688
Expenses
$809,681
Net income
$15,007
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.86$1.10$0.25
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.4$28.9$2.57$0.76$0.79$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$29.2$2.61$0.81$0.74$0.07
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.1$27.6$2.53$0.92$0.81$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.9$24.5$2.42$0.98$0.80$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.0$24.8$2.24$1.14$1.05$0.09
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$27.7$25.5$2.14$0.95$0.92$0.03
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$25.0$2.11$0.86$0.77$0.09
2015Detailed filing. Detailed filing data is available for this year.$25.5$23.5$2.02$0.82$0.81$0.02
2014Detailed filing. Detailed filing data is available for this year.$25.0$22.9$2.01$0.83$1.08$0.26
2013Detailed filing. Detailed filing data is available for this year.$24.6$22.4$2.27$0.81$0.83$0.02
2012Summary only. Only limited summary data is available for this year.$23.3$21.0$2.29$0.88$0.70$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.3$19.2$2.10$0.73